Bankruptcy: A Birthday Gift to Myself – Reflections on Financial Freedom and Starting Anew in Your 30s

Since you might be onto something, y’all need to file bankruptcy for your birthday. Your birthday gift to yourself is to file bankruptcy. Because a lot of y’all are holding on to all of this debt because you’re afraid of the negative stigma that’s gonna come behind filing bankruptcy, when in actuality, the same people that you’re worried about who’s gonna know you filed bankruptcy are the main ones who probably filed bankruptcy themselves. And, again, you just didn’t know about it. So congratulations and happy 30th. I feel like between that 20, the 27 to 30 range is when we really. A lot of us are like, hey, I need to get my. My stuff together, and I need to be doing better to go into my, my 30s, my 40s to be able to be living the best life that I wanna live. Because for me, it was 27 when it happened, 28 when I actually filed bankruptcy, that I said, I am not going to my 30s with $50,000 worth of debt. So that was my birthday gift to myself at 28, to say, I’m gonna be debt free by the time I’m 30. I didn’t know how it was gonna happen just yet, but I was up at 2 in the morning researching, hey, am I gonna do debt consolidation? Am I gonna be doing, like, the. The. The snowball effect? Or what am I gonna do? Because I need to get rid of $50,000 worth Of debt in the next five minutes. None of that was happening. The. The rock that I was gonna go until I actually looked into bankruptcy and speaking with a local bankruptcy attorney, that changed my life. To know what you. You said, I can. I can file a Chapter 7 and get rid of $50,000 worth of debt in the next 90 days. Sir, is this even legal? Like, I was really like questioning him, but I’m like reading the reviews on Google, like he know what he talking about. Um, but yeah, if you need to file bankruptcy, let that be your birthday gift to yourself. If you do nothing else, file bankruptcy if you need to. I’m not saying everyone needs to file bankruptcy, but if you need to, definitely look into it, because you’re definitely doing yourself a disservice if you’re not taking action on the current debt that you have. If you’re just making the minimum payments, and then the balance is going up when the next statement hits, you’re just in a never ending cycle that is never gonna end. And that’s where I was at, where I was sitting there for the last two years prior to filing bankruptcy. See, I’m just paying the minimum payments on my credit card. Boom! A minimum payment, $300 each month. And then that next month, interest hits my credit card of 250 dollars. So of that 10 thousand dollar debt that I just had on a Credit card. I’m only paying 50 dollars a month, but 300 dollars of my bank account make it make sense. So again, if that’s what you have to do to get that first start on your life and be living your good life in your 30s and your 40s and stuff like that, because it’s never too late. It’s never a time limit. Limit. Even if you have to go if you’re 22 or 23, life happens. I don’t judge people. We never know people financial situations. So if you feel like, hey, I’m at a certain amount of debt that I need to file bankruptcy, speak with the bankruptcy attorney. I’m not that. I’m not a bankruptcy attorney. I just. I filed bankruptcy and I used one. And that was the best decision that I could have ever made. But I’m proud of you. Congratulations and happy birthday to you and hope your 30s are amazing.